Why Does Paying Off Debt Lower Your Credit Score? It’s counter-intuitive. You finally pay off your auto loan or close your credit card, then eagerly check your credit score to see how it’s risen...only to see that it’s actually fallen by as much as 10 to 20 points! The reason for the drop is that you’ve removed a credit line, so your overall credit management picture looks worse. Remember, a credit score measures your management of credit, not the absence of credit. Advice for Keeping a Higher Credit Score • If you have a credit card, don’t close the account. Pay it down completely, but leave it open. • If you have an auto loan, don’t rush to pay it off. Wait until after you get your home loan, then pay it off (if you still have the cash). • If you have an auto loan, but no credit cards, consider opening a credit card or two, charging one thing under 20% of your limit, then paying it off over one or two months. But also keep in mind the age of your credit cards may affect your credit, too.
Planning to Buy a Home in 2021?
In the current tight housing market and lending environment, you’ll want to get a jump on challenges...
Have you made any New Year’s resolutions about your lifestyle habits? The kind where you say, “I resolve to eat better / get quality sleep / etc.” I have. And I’ve noticed that almost all these resolutions come down to willpower. I don’t know about you, but I find it incredibly hard to simply will myself to change a habit, even when it’s a terrible habit. But I read something recently that gives me hope--and a methodology. Science tells us that we develop habits when we allow our environment to support our choices, repeatedly, until they become habitual. An obvious example is keeping junk food in the house, which supports poor eating. So to adopt a new habit, one thing I can do is hijack my environment. Figure out how to make it support the habit I do want. If I don’t want to eat junk food, how can I set up my environment to support healthy eating? If I want to save money, how can I set it up to support less spending and more saving? If I want to listen more to my spouse, how can I set it up to support quality communication? I’ve only just started this process, and I’m learning that there are limits on how far I’m willing to go to change my environment. Remove the TV from the house? Cut up the credit cards? It’s an interesting personal journey.
• If your credit is spotty, start improving it now. • If you were thinking of buying a car or other major purchase, wait If this idea appeals to you, then I wish you good luck in hijacking your until after you buy your home. environment for the habits you want in 2021. • If you don’t have all your financial documentation together, now’s Sell Your Home with a Pro! the time to gather everything. • Decide if you need to file your taxes before or after buying. Selling a home today is more complex than it used to be. There are a lot more • Meet with your Realtor early to get your plan ready. Call me for a regulations, and many more buyer expectations. Contact me for a confidential listing appointment to review the steps involved. consultation to get started.
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www.BREMove.com
January. 2021 • Issue No. 21
Things To Do At Home
Featured Recipe
Virtual Trivia SettleDownEasyBrewing.Com January 6th, 2021.
Pick up some beer from Settle Down Easy Brewing and enjoy a little trivia! Live every Wednesday on Zoom. We play 5 rounds with 5 winners.
Red Wine Spaghetti Prep Time: 15 min • Cook Time: 35 min • Total time: 45 min
Viking Village
Ingredients • • • • • • • •
12 garlic cloves, finely chopped 3 Tbsp. extra-virgin olive oil, plus more for drizzling 1 tsp. crushed red pepper flakes 16 Tbsp. (2 sticks) unsalted butter, 2 bottles red wine Kosher salt 2 lb. spaghetti Finely grated Parmesan (for serving)
HookHall.Com January 1st - 31st, 2021.
Cozy up by the fire in one of our weatherproof Viking huts, or under a blanket by one of our fire pits. Enjoy traditional Viking fare from our specialty menus, and cheers your friends in replicas of customary Viking drinkware!
Directions
1. Combine garlic and 3 Tbsp. oil in a small bowl. Heat a heavy pot; pour in garlic and oil. Add red pepper flakes and 2 Tbsp. butter; cook, stirring occasionally. Add wine and bring to a boil. Cook, uncovered, until reduced by twothirds; season with salt. Cover and keep warm. 2. Cook pasta in a pot of salted boiling water, stirring occasionally, until very al dente. 3. Drain pasta and add to sauce, with remaining butter. Bring sauce to a simmer. Cook, tossing often, until pasta is coated and sauce is thickened. Season with more salt if needed. 4. Divide pasta among bowls; drizzle with oil and top with lots of Parmesan.
Eternal Winter Six Hour Run AnnapolisStriders.Org January 30, 2021.
The 4-mile course is within Greenbury Point at the Naval Support Activity Annapolis base. It is a run benefiting our local food pantry, the LightHouse Homeless Prevention Support Center.
Coming Soon To Amazon Prime Girl Most Likely Available for Streaming January 1st, 2021.
A failed New York playwright awkwardly navigates the transition from Next Big Thing to Last Year’s News.
Herself
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How I Met Your Mother (Seasons 1 - 9) Available for Streaming January 19th, 2021.
A father recounts to his children through a series of flashbacks - the journey he and his four best friends took leading up to him meeting their mother.
Flack (Season 1)
Available for Streaming January 8th, 2021.
Available for Streaming January 22nd, 2021.
Young mother Sandra escapes her abusive husband and fights back against a broken housing system. She sets out to build her own home while rebuilding her life.
An American publicist working for a cutthroat London PR company that represents troubled celebrities, is adept at keeping her client’s lives appearing perfect, while her own falls to pieces.
One Night in Miami
Chick Fight
Available for Streaming January 15th, 2021.
Available for Streaming January 29th, 2021.
An account of an incredible night where Muhammad Ali, Malcolm X, Sam Cooke, and Jim Brown gathered discussing their roles in the civil rights movement and cultural upheaval of the 60s.
When Anna is introduced to an underground, all-female fight club in order to turn the mess of her life around, she discovers she is more connected to the club than she could ever imagine.
January. 2021
Coming Soon To Netflix 17 Again
Cobra Kai (Season 3)
Available for Streaming January 1st, 2021.
Available for Streaming January 8th, 2021.
Mike O’Donnell is ungrateful for how his life turned out. He gets a chance to rewrite his life when he tries to save a janitor near a bridge and jumps after him into a time vortex.
The season follows Miguel’s injury, Kreese’s takeover of the Dojo, Ali’s rekindled friendship with Johnny, and tensions between Hawk, Demetri, and Kyler as Kyler will join Cobra Kai.
30 Minutes or Less
Fate: The Winx Saga
Available for Streaming January 1st, 2021.
Available for Streaming January 22nd, 2021.
Two fledgling criminals kidnap a pizza delivery guy, strap a bomb to his chest, and inform him that he has mere hours to rob a bank or else...
A live-action adaptation of Nickelodeon’s Winx Club. It follows Bloom as she adjusts to life in the Otherworld, where she must learn to control her dangerous magical powers.
Pieces of a Woman
Penguin Bloom
Available for Streaming January 7th, 2021.
Available for Streaming January 27th, 2021.
A heartbreaking home birth leaves a grieving woman to embark on an emotional journey after the loss of her baby.
A photographer and his family find hope and solace in an injured magpie chick.
Coming Soon To On Demand
Stars Fell On Alabama
Redemption Day
Available for Streaming January 8th, 2021.
Available for Streaming January 12th, 2021.
An actress pretends to be a Hollywood agent’s girlfriend to impress his friends at his 15-year high school reunion.
A US Marine infiltrates a terrorist group to save American hostages.
Quiz Question
JANUARY QUIZ QUESTION: On average, one inch of rain is equivalent to how many inches of snow?
The Wake of Light
Stallone: Frank, That Is
Available for Streaming January 15th, 2021.
Available for Streaming January 19th, 2021.
A woman losing hope while caring for her aging father and broken down farm meets a charismatic man on a road trip, who falls for her and asks her to join him.
An inside look into the fascinating life, career and survival of the most unknown famous entertainer in Hollywood.
1 • Issue No. 21
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Want to Win a $10.00 Coffee Gift Card?
It’s easy to play! Answer the quiz question on page 3. Each month, all correct entries have a chance of winning the gift card.
Want to Enter?
Email ClientCare@BREMove.com with the word “QUIZ” in the subject line. Good luck!
Last Month’s Question: How many presents are there in the “The Twelve Days of Christmas”? Last Month’s Answer: 364
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Congratulations to Last Month’s Winner! Maureen Orourke
www.BREMove.com
January. 2021 • Issue No. 21
